PFSI PennyMac Financial Services Inc

  1. Stocks
  2. Financial Services
  3. NYSE: PFSI

Price (delayed)

$55.82

Market cap

$2.79B

P/E Ratio

6.23

Dividend/share

$0.8

EPS

$8.96

Enterprise value

$13.26B

PennyMac Financial Services, Inc. is a specialty financial services firm with a comprehensive mortgage platform and integrated business focused on the production and servicing of U.S. mortgage loans and the ...

Highlights
The debt has declined by 16% year-on-year but it has grown by 4.6% since the previous quarter
The company's net income has shrunk by 53% YoY and by 22% QoQ
PennyMac Financial Services's EPS has decreased by 43% YoY and by 20% from the previous quarter
Sector: Financial Services
Industry: Mortgage Finance
Website: http://www.pennymacusa.com
Peers: WRLD SLM FMCC

Key stats

What are the main financial stats of PFSI
Market
Shares outstanding
50.03M
Market cap
$2.79B
Enterprise value
$13.26B
Valuations
Price to earnings (P/E)
6.23
Price to book (P/B)
0.81
Price to sales (P/S)
1.49
EV/EBIT
19.94
EV/EBITDA
18.54
EV/Sales
6.68
Earnings
Revenue
$1.99B
EBIT
$665.25M
EBITDA
$715.49M
Free cash flow
$5.95B
Per share
EPS
$8.96
Free cash flow per share
$112.2
Book value per share
$69.31
Revenue per share
$37.42
TBVPS
$317.02
Balance sheet
Total assets
$16.82B
Total liabilities
$13.35B
Debt
$11.8B
Equity
$3.47B
Working capital
N/A
Liquidity
Debt to equity
3.4
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
14.63
Margins
EBITDA margin
36%
Gross margin
97%
Net margin
23.9%
Operating margin
33.5%
Efficiency
Return on assets
3.1%
Return on equity
13.7%
Return on invested capital
2.7%
Return on capital employed
N/A
Return on sales
33.5%
Dividend
Dividend yield
1.43%
DPS
$0.8
Payout ratio
8.9%

PFSI stock price

How has the PennyMac Financial Services stock price performed over time
Intraday
-0.21%
1 week
-3.71%
1 month
-9.69%
1 year
0.63%
YTD
-1.48%
QTD
-1.48%

Financial performance

How have PennyMac Financial Services's revenue and profit performed over time
Revenue
$1.99B
Gross profit
$1.93B
Operating income
$665.25M
Net income
$475.51M
Gross margin
97%
Net margin
23.9%
The company's net income has shrunk by 53% YoY and by 22% QoQ
PennyMac Financial Services's operating income has shrunk by 51% YoY and by 20% QoQ
PFSI's gross profit is down by 37% year-on-year and by 16% since the previous quarter
The revenue has decreased by 37% YoY and by 15% from the previous quarter

Growth

What is PennyMac Financial Services's growth rate over time

Valuation

What is PennyMac Financial Services stock price valuation
P/E
6.23
P/B
0.81
P/S
1.49
EV/EBIT
19.94
EV/EBITDA
18.54
EV/Sales
6.68
PennyMac Financial Services's EPS has decreased by 43% YoY and by 20% from the previous quarter
The price to earnings (P/E) is 42% higher than the last 4 quarters average of 4.4 and 30% higher than the 5-year quarterly average of 4.8
The price to book (P/B) is 26% lower than the 5-year quarterly average of 1.1
The revenue has decreased by 37% YoY and by 15% from the previous quarter
PFSI's price to sales (P/S) is 35% higher than its last 4 quarters average of 1.1 and 24% higher than its 5-year quarterly average of 1.2

Efficiency

How efficient is PennyMac Financial Services business performance
The ROE has plunged by 53% YoY and by 23% from the previous quarter
The company's return on assets fell by 28% YoY and by 18% QoQ
PennyMac Financial Services's ROS has decreased by 22% YoY and by 6% from the previous quarter
The company's return on invested capital fell by 18% YoY and by 16% QoQ

Dividends

What is PFSI's dividend history
Dividend details
DPS
$0.8
Dividend yield
1.43%
Payout ratio
8.9%
Recent dividends

Financial health

How did PennyMac Financial Services financials performed over time
PennyMac Financial Services's total assets is 26% more than its total liabilities
PennyMac Financial Services's total liabilities has decreased by 13% YoY but it has increased by 3.7% QoQ
PennyMac Financial Services's total assets has decreased by 10% YoY but it has increased by 2.8% from the previous quarter
PFSI's debt to equity is down by 17% year-on-year but it is up by 4.9% since the previous quarter
The debt has declined by 16% year-on-year but it has grown by 4.6% since the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.